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    From Lars Poulsen@21:1/5 to [email protected] on Thu Jan 30 23:07:03 2025
    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25% Bershire/Buffett, I have seen an average of 8% APY for decades.

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From The Natural Philosopher@21:1/5 to Lars Poulsen on Fri Jan 31 10:12:41 2025
    On 30/01/2025 23:07, Lars Poulsen wrote:
    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25% Bershire/Buffett, I have seen an average of 8% APY for decades.

    Yes. That is on the safe side of risky.

    Considering long term debt can be had for as little as 5%, it makes
    sense to borrow at 5 and invest at 8...
    --
    “But what a weak barrier is truth when it stands in the way of an hypothesis!”

    Mary Wollstonecraft

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From D@21:1/5 to Lars Poulsen on Fri Jan 31 13:45:34 2025
    On Thu, 30 Jan 2025, Lars Poulsen wrote:

    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25% Bershire/Buffett, I have seen an average of 8% APY for decades.


    Given the amount of time and effort you put into managing it, I'd say that
    8% is a good result!

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From The Natural Philosopher@21:1/5 to All on Fri Jan 31 13:10:43 2025
    On 31/01/2025 12:45, D wrote:


    On Thu, 30 Jan 2025, Lars Poulsen wrote:

    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25%
    Bershire/Buffett, I have seen an average of 8% APY for decades.


    Given the amount of time and effort you put into managing it, I'd say
    that 8% is a good result!
    I review my funds every 3 months or so. I sell the ones that aren't
    doing that well and invest in new ones. Or top up existing ones.

    It takes at most 20 minutes and most of that is workiong out what to do,
    not doing it


    --
    "An intellectual is a person knowledgeable in one field who speaks out
    only in others...”

    Tom Wolfe

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From D@21:1/5 to The Natural Philosopher on Fri Jan 31 22:52:16 2025
    On Fri, 31 Jan 2025, The Natural Philosopher wrote:

    On 30/01/2025 23:07, Lars Poulsen wrote:
    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25%
    Bershire/Buffett, I have seen an average of 8% APY for decades.

    Yes. That is on the safe side of risky.

    Considering long term debt can be had for as little as 5%, it makes sense to borrow at 5 and invest at 8...


    The problem is to find someone willing to lend at 5% for that purpose. In
    my experience, the only way is to use real estate as security, make up a
    b.s. reason for the loan, and then invest at a higher percentage.

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From D@21:1/5 to The Natural Philosopher on Fri Jan 31 22:58:32 2025
    On Fri, 31 Jan 2025, The Natural Philosopher wrote:

    On 31/01/2025 12:45, D wrote:


    On Thu, 30 Jan 2025, Lars Poulsen wrote:

    On 2025-01-30, D <[email protected]> wrote:
    What's the stock market the same time? My bet would be 8% to 12%.
    Checked it: https://dqydj.com/nasdaq-return-calculator/
    12.983% nominal return. Better than gold, but higher variability.

    Relying mostly on a couple of SP500 funds, one global bond fund and 25%
    Bershire/Buffett, I have seen an average of 8% APY for decades.


    Given the amount of time and effort you put into managing it, I'd say that >> 8% is a good result!
    I review my funds every 3 months or so. I sell the ones that aren't doing that well and invest in new ones. Or top up existing ones.

    It takes at most 20 minutes and most of that is workiong out what to do, not doing it

    I actively own mostly shares, I would say, on average, that I spend about
    1-2 hours a month on my shares. On my retirement funds even less. I found
    a winner and I've stuck with it for decades and it is still performing
    well, so I see no reason to change that.

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)